Heart Of Louisiana Credit Union Alexandria LA | Affordable Vehicle Loans & Business Banking

Introduction

Welcome to Heart Of Louisiana, your trusted partner in financial wellness since 1955. Located at 3616 Commerce St, Alexandria, LA 71302, we proudly serve our community with personalized banking solutions tailored to your needs. With a membership of 16,525 individuals and total assets exceeding $132 million, we are committed to providing exceptional service that empowers you financially. At Heart Of Louisiana, we understand the importance of a strong financial foundation. Our diverse range of services includes everything from checking and savings accounts to auto loans and business banking solutions. With total loans amounting to 6,297 and deposits reaching $15,662,906, we maintain a solid financial standing that ensures your money is safe and growing. Plus, our net worth stands at an impressive $22,253,507, reflecting our commitment to stability and growth. Our leadership team is dedicated to serving you better every day. Led by CEO Cynthia Beauregard and Board President Michael Taylor, our experienced staff of 46 employees is here to help you navigate your financial journey with ease. We invite you to visit us in person or reach out via phone at 318-619-1900 for any inquiries or assistance. While members can visit us at our branch location, please note that official correspondence should be sent to our mailing address: P.O. Box 4030, Pineville, LA 71361. Join us today and experience the Heart Of Louisiana difference! For more information about our services or to explore how we can assist you further, feel free to check out our website at heartcu.org. Let's build a brighter financial future together!

Branch History & Mission

Community Focus

Our connection with the community goes beyond just banking. We actively engage in outreach programs and partnerships aimed at uplifting local initiatives. We understand that when our community thrives, so do we. This philosophy drives us to support local charities and educational programs that make a real difference in people's lives.

Modern Services

In today's fast-paced world, convenience is key. That's why Heart Of Louisiana offers modern banking solutions like online banking and mobile payments alongside traditional services such as drive-thru banking and ATM access. We are proud to maintain ADA compliance, ensuring that all members can access our services with ease. With operating hours from Monday through Friday (9 a.m. - 4 p.m.) and Saturday (9 a.m. - 1 p.m., drive-thru only), we're here when you need us most. If you have questions or need assistance, feel free to reach out at 318-619-1900. Join us at Heart Of Louisiana Credit Union experience firsthand how we can help you achieve your financial goals while being an active part of a caring community. Together, let's build a brighter future! Visit us online at heartcu.org for more information on how you can become part of our family today!

Our Journey

Since opening our doors nearly seven decades ago, Heart Of Louisiana has witnessed significant changes and growth. We started with a small membership base and limited services, but our commitment to our members fueled our expansion. Today, we boast total assets exceeding $132 million and provide a wide range of services designed to meet the evolving needs of our members. From personal banking options like checking and savings accounts to vehicle financing and business loans, we strive to offer solutions that empower individuals and families alike.

Our Mission

At Heart Of Louisiana, our mission is simple yet powerful: we are dedicated to providing exceptional financial services while enhancing the lives of those in our community. We believe that access to fair financial products can lead to greater opportunities for everyone. Whether it's helping you secure your first car loan or providing guidance for your next big investment, we aim to be there every step of the way. While members can visit us at 3616 Commerce St, official correspondence should be sent to P O Box 4030, Pineville, LA 71361.

Branch Location & Accessibility

Welcome to Heart Of Louisiana, your friendly neighborhood credit union located at 3616 Commerce St in the heart of Alexandria, LA. We're proud to serve our members in Rapides County with a convenient and accessible location. Nestled near local landmarks and just a short drive from popular spots, our branch is designed to make your banking experience smooth and hassle-free. While members can visit us at 3616 Commerce St, official correspondence should be sent to P O Box 4030, Pineville, LA 71361. Our branch is easily reachable by car, with ample parking available for your convenience. We are committed to accessibility for all our members, featuring ADA-compliant entrances and ramps that ensure everyone can access our services comfortably. At Heart Of Louisiana, we understand that your time is valuable. That's why we offer flexible operating hours: Monday through Thursday from 9 a.m. to 4 p.m., Friday from 9 a.m. to 5:30 p.m., and Saturday from 9 a.m. to 1 p.m., with drive-thru service available on Saturdays for quick transactions. Whether you need to open an account or discuss a loan, our friendly staff is here to help you navigate your financial needs. For those on the go, we also provide ATM services for easy cash withdrawals and balance checks. And if you prefer banking from home, our online and mobile banking options let you manage your accounts anytime, anywhere. Ready to experience personalized service with a local touch? Give us a call at 318-619-1900 or stop by our branch today! We look forward to welcoming you into the Heart Of Louisiana family!

Member Eligibility

At Heart Of Louisiana, we believe that becoming a member means joining a community that truly cares about your financial well-being. If you're interested in opening an account with us, you'll find that eligibility is pretty straightforward! We welcome individuals who live, work, worship, or attend school in the Alexandria area, as well as their family members. This inclusive approach makes it easy for many to join our supportive network. To learn more about the specific eligibility criteria, feel free to check out our detailed resource at . Once you've determined your eligibility, opening an account is a breeze! You can easily get started by visiting us at our branch located at 3616 Commerce St Alexandria La 71302 or giving us a call at (318) 619-1900. Our friendly staff is here to guide you through every step of the process, ensuring you feel confident and welcomed as you take this exciting step toward better banking. Join us today and experience the benefits of being part of the Heart Of Louisiana family!

Business Banking & Commercial Services

Business Loans That Make a Difference

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $9 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $21 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $4,236,250, we continue to drive economic growth by financing new and expanding businesses.

Merchant Services for Everyday Transactions

Running a business means managing day-to-day transactions smoothly. Our merchant services simplify payment processing, allowing you to focus on what you do best serving your customers. From point-of-sale systems to online payment solutions, we provide the tools that make accepting payments easy and efficient. Discover how Heart Of Louisiana, located at 3616 Commerce St Alexandria La 71302 in Alexandria, LA, can be your trusted partner in navigating the financial landscape of your business. Contact us today at (318) 619-1900 to learn more about how we can help your business thrive!

Comprehensive List Of Services

ATM & Cash Withdrawal Services

Need cash? Our ATM services are readily available for quick withdrawals and balance checks without any fuss. For simple transactions like deposits and withdrawals, our drive-thru banking offers another layer of convenience for those on the go.

Business Banking Services

At Heart Of Louisiana, we also cater to business owners. Our business banking services include everything from merchant services to business loans. Whether you're starting a new venture or expanding an existing one, we have the tools and resources to support your growth.

Convenient Online & Mobile Banking

We know that convenience is key in today's busy world. That's why we offer robust online and mobile banking features that allow you to manage your accounts anytime, anywhere. You can easily transfer funds, pay bills, and even send money directly to friends or family with our person-to-person payment feature.

Get Started Today!

With so many options available at Heart Of Louisiana, managing your finances has never been easier. We invite you to visit us at 3616 Commerce St in Alexandria, or give us a call at 318-619-1900. Let us help you find the right financial solutions today! For more information about our services, check out our website at heartcu.org.

Personal Banking Solutions

When it comes to personal banking, we understand that everyone has unique needs. That's why we offer checking and savings accounts designed to fit your lifestyle. Whether you're saving for a vacation or need everyday access to your funds, our accounts come with features that make banking easy. If you're considering a new vehicle, our auto loans and vehicle financing options can get you on the road quickly. Imagine driving off in a new car without the hassle of complicated financing our team is here to guide you through every step. Additionally, if homeownership is in your future, our mortgage loans and refinancing services can help you navigate the path to owning your dream home. We provide personalized assistance that makes the process smooth and stress-free. For those looking to consolidate debt or take care of unexpected expenses, our personal loans come with flexible terms tailored just for you. And don't forget about our credit cards with rewards they're perfect for earning points on your everyday purchases!

Digital & Online Banking

Key Features

One of the standout features is our electronic signature authorization. This means you can sign documents quickly and securely from the comfort of your home, eliminating the need for unnecessary trips to the branch. Plus, we provide e-statements, allowing you to view your account statements digitally. This not only saves paper but also keeps your financial information organized and easily accessible. If you're always on the go, our mobile payments feature ensures that you can make purchases directly from your smartphone. While we currently don't have a dedicated mobile application, you can still enjoy our mobile-friendly website for all your banking needs. And with person-to-person transfers available, sending money to friends or family is as simple as a few taps on your screen.

Security & Accessibility

Your security is our top priority. Our online banking platform uses advanced security measures to protect your information, so you can feel confident every time you log in. With user-friendly navigation and real-time account management, checking balances, making transfers, and paying bills has never been easier. At Heart Of Louisiana, we're committed to providing accessible banking solutions that fit into your lifestyle. Whether you're at home or on the move, our digital services are here to help you manage your finances with ease. Explore more about what we offer at https://heartcu.org/ and take control of your banking today!

Financial Strength

Growing Member Base

Total Share Accounts: 29,894, showing a strong and growing member base that trusts us with their finances. This community of members signifies the reliability you can expect from Heart Of Louisiana. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Heart Of Louisiana is your trusted partner. Visit us at 3616 Commerce St Alexandria La 71302 or call 318-619-1900 to learn more about how we can help you achieve your financial goals.

Member-Centric Savings Options

Members' savings are secured through $3,847,128 in share certificates and $2,864,737 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $0, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks.

Operational Efficiency

Our operational efficiency is reflected in our net income of $1,266,249, enabling us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 45 full-time employees and 1 part-time employee, ensuring our branches are always ready to serve you with a knowledgeable and committed team.

Reinvestment for Growth

With $20,057,114 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is robust; we offer 735 used auto loans and have total loans & leases amounting to $68,347,150. This support enables you to achieve your financial goals across various sectors.

Solid Financial Health

With a net worth of $22,253,507, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of 1669 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $11,605,748 in used vehicle loans and $6,942,857 in new vehicle loans already helping members get on the road. We know that purchasing a vehicle is a significant investment, and our team is here to guide you through every step of the process.

Business Loans

For business owners, our outstanding commercial loans totaling $4,236,250 provide the capital needed to grow and expand. We are dedicated to supporting local businesses and providing them with the resources they need to succeed.

Credit Lines

If you're looking for additional flexibility in your finances, consider our total credit lines available at $9,000,000. This option allows you to access funds when you need them without the need for immediate repayment. At Heart Of Louisiana located at 3616 Commerce St Alexandria La 71302, we're here to support you with expert advice and personalized service. For inquiries or assistance with any of our loan products, feel free to reach out at (318) 619-1900 during our operating hours: Monday - Thursday from 9 a.m. - 4 p.m., Friday from 9 a.m. - 5:30 p.m., and Saturday from 9 a.m. - 1 p.m. (drive-thru only). Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov based on the latest results. Let us help you take the next step towards achieving your financial dreams!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $1,497,492, make buying or refinancing simple. We provide flexible terms and competitive rates to ensure that your journey toward owning a home is as smooth as possible.

Unsecured Credit Card Loans

Managing finances can sometimes be tricky. That's why we also offer flexible terms on unsecured credit card loans, with a total of $6,888,705 in loans helping members manage their finances effectively. These cards come with benefits designed to fit your spending habits and help you build your credit score.

Loan Aggregator

Benefits of Using LendMesh

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Ensuring Accurate Comparisons

Loan data on LendMesh is sourced directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov ). This ensures that all offers presented are fair and transparent. Each lender is thoroughly vetted to guarantee that users receive only legitimate options for their borrowing needs.

HEART OF LOUISIANA FEDERAL CREDIT UNION